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Backrubsusa Reviews (29)

Please see attached letter with our response.THE The Cincinnati Insurance Company The Cincinnati Indemnity CompanyCINCINNATI The Cincinnati Casualty Company The Cincinnati Specialty Underwriters Insurance CompanyINSURANCE COMPANIES The Cincinnati Life Insurance Company June 14, 2018Hello,We apologize for the delay associated with receiving your refundThe way our system is setup, itmust filter through various channels before being sent outBased on our records, the refund has beendelivered and was cashed effective 6/13/Hopefully this resolves your issue and we apologize forany inconvenience this process has caused.Thank you,Carly H***Personal Lines UnderwriterCincinnati Insurance CompanyEmail: cartlandh [redacted] cinfin.comCH/jh

"Bad faith" is the basis of this complaintWe are paying premiums for general liability insurance, and when we have presented legitimate claims, they have been deniedCincinnati's own team has even tried to change the reasoning of why they were denied, in addition to trying to pass a deductible on to us when there should be no deductible placed from damages from other parties.?

See attached.THE The Cincinnati Insurance CompanyThe Cincinnati Indemnity CompanyCINCINNATIThe Cincinnati Casualty CompanyThe Cincinnati Specialty Underwriters Insurance CompanyINSURANCE COMPANIESThe Cincinnati Life Insurance CompanyJune 4, 2018Hello,Thank you for contacting the Cincinnati Insurance CompaniesThe farm questionnaire submitted inFebruary indicated sheep and chickens on your propertyThat was the first time that wasdisclosed to us and it exceeds our underwriting appetiteWe discussed our concerns with your agencyon 2/16/In accordance with your policy provisions, we mailed notice of cancellation days priorto the effective date in MayAfter careful consideration we continue to uphold our decision.We apologize for any inconvenience this causedWe understand your agency has placed you with acarrier better suited for an exposure of this kind.Thank you,Carly H***Personal Lines UnderwriterCincinnati Insurance CompanyEmail: cartland_h***@cinfin.comCH/jh

We recently received a customer complaint identified above and we appreciate the opportunity to respond, Our customer had a complaint regarding the issuance of a refund check for returned Premium owed, due to the cancellation of his homeowner's insurance policyOur records indicate a refund check in the amount of $2,was sent to [redacted] (mortgagee) after discovering the policy had been cancelledOn 8/25/15, a stop payment order was placed on the check, as it had not yet been cashed by the recipient ( [redacted] ***)Our billing department has since reissued a check to be sent directly to the insured with expedited shipping, We hope this will resolve any concerns surrounding this issue and regret any inconvenience this may have caused

[A default letter is provided here which indicates your acceptance of the business's response? If you wish, you may update it before sending it? If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply? Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below While I understand that Cincinnati insurance has failed to obtain their money from [redacted] , that is no excuse to refuse to pqp the money I am contractually owedPlease send me my $immediately Regards, [redacted]

The Cincinnati Insurance Company (CIC) is in receipt of Revdex.com complaint ***, submitted by *** ***CIC acknowledges this matter concerns a claim submitted by Ms***’ son *** *** on May 4, 2016, in relation to an accident involving a Honda Accord. On May 4, 2016, Mr
*** contacted CIC stating he had been involved in an auto accident while driving the vehicle in questionAlso on May 4, 2016, Field Claim Representative Mary Ann *** determined the Honda Accord driven by Mr*** had been deleted from Ms***’ Personal Auto policy on September 4, 2015. On May 10, 2016, Ms*** sent a letter to Ms*** advising there was no available coverage for the May 4, accident involving her son and the Honda AccordOn May 12, 2016, Ms*** contacted Ms*** advising no permission to contact CIC had been given to Mr***Further, Ms*** requested CIC’s file concerning the accident be closedThat same day, CIC’s file was closed and designated “No Claim Made”This matter will not be charged against Ms***’ policy. Copies of CIC’s May 10, letter and activity log are attached.

"Bad faith" is the basis of this complaintWe are paying premiums for general liability insurance, and when we have presented legitimate claims, they have been deniedCincinnati's own team has even tried to change the reasoning of why they were denied, in addition to trying to pass a deductible on to us when there should be no deductible placed from damages from other parties.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
This is ridiculous, considering other appraisal of damages indicate no issues from being stuckThere was only one claimOne claim! This is thetmost absurd thing I have ever heard, and I will ensure that the world knows how your company mistreats customers. I have photographs to verify, in addition to the Burke County sheriff's testimony.
Regards,
*** ***

I am writing in response to your inquiry about the above Revdex.com complaintThis matter involves a tree limb that fell in a windstorm on property insured by our companyWhen the limb fell, it pulled down a utility line that was connected to a neighboring property owned by the claimant/complainantThe
claimant's building sustained damage from the wire being torn down.We conducted an investigation and found that prior to this loss there was no outward, visible indication the tree limb in question had any issues or may otherwise be prone to fallAs such, we declined liability on behalf of our insured property owner for the claimant's damages.Independent of the liability claim, it turned out the claimant also has their property insurance with our companyThe damage sustained to their building is covered by their policyTheir policy does have a deductible of $2,that would be applicable to this loss.We take seriously our obligation under the insurance policy to protect our policyholder against liability claimsWe conduct reasonable investigations and honor liability claims when warrantedIn this case, liability for the claimant's damages did not rest with their neighbor, our policyholder, and our liability denial was proper.We also honor first-party claims made by a policyholder under their own policy, and we have done that in this present case for the claimant, under their CIC policyThat policy does have a deductible, as is commonplace with insurance policies, which the claimant selected when he purchased his insurance policy.Thank you for your time and assistance.*** ** ***The Cincinnati Insurance Companies

The CincinnatiSpecialty Underwriters Insurance CompanyA subsidiary of the Cincinnati Insurance CompanySherri B***, AICAssociate Manager, CSU Claims October 17, 2017 *** ***Marketplace Resource ConsultantRevdex.comE 4th, Suite 600Cincinnati, Ohio
45202***@cincinnati.Revdex.com.orgRE: Revdex.com ID No.: *** Insurer The Cincinnati Speciality Underwriters Insurance Company Dear *** ***:The Cincinnati Specialty Underwriters Insurance Company ("CSU") is in receipt of the complaint made to the Revdex.com filed by a customer (the "policyholder") who alleges his claims for defective subcontractor workshould be covered by his insurance policy. The policyholder holds a Commercial General Liability ("CGL") policy with CSUThe purpose of thisGCL policy is to protect the policyholder against liability claims for bodily injury and property damagearising out of its premises, operations, products, and completed operationsThe CGL policy does notprovide coverage for defective work, which includes work or operations performed by the policyholder oron the policy holder's behlafThe referenced claim involves a situation where the work was completed bya subcontractor on the policyholder's behalf.The CGL policy, however, does provide coverage for property damage to the home resulting from thesubcontractor's work, subject to the required deductibleThus, CSU informed the policyholder that it wouldpay for the damage resulting from the subcontractor's work but not for the damaged work itself. Sincerely,Sheri ** B***, AICAssociate Manager --CSU Claims

We mailed a
notice of non-renewal to be effective 07/17/to the policyholder on
04/29/for their personal home policy pursuant to KRS 304.20-with a
minimum days required notice.This home policy
was brought to our attention prior to the 07/17/renewalIn reviewing, we
noticed
damage to the roof based on a home inspection completed 11/05/Due
to the condition of the roof, we opted to non-renew the policy with mailed
notice on 04/29/Upon review of the wording of the notice sent to the
insured, it was indicated there was damage in other parts of the homeThe
actual wording was "Condition of home: including but not limited to
condition of roof." This should have been worded in such a way to indicate
multiple issues with the roof including discoloration from algae, missing
shingles and shingles that were lifting in spotsThe overall condition was
only related to the issues of the roof; however, not all of the specific issues
with the roof were listed on the legal noticeHopefully this helps clarify the
situation.If you have any
further questions, please contact me directlyCordially,Joseph ***,
AINS API Personal Lines Department The Cincinnati Insurance Company
***

The complainant did have commercial insurance policies with our company through 9/5/at which time the coverage was cancelled and placed with another carrierThe premiums/refunds in question are in relation to the insureds Workers Compensation policy, I understand the confusion over the refund
amounts as some of the documents being referenced (refund of $1,899) is actually just an accounting reconciliation had the policy ran full term and the full premium been paidBelow is a reconciliation of the premiums due for the shortened policy period, what the complainant actually paid and the resulting refunds,The insured made two installments for their Workers Compensation policy:4/14/***6/16/***Total $1,854No further payments were received prior to the cancellationThe annual premium for this policy was $3,Since the policy was cancelled, the prorated premium due for the policy was reduced to $1,(Premium/tax of $1,+ late fee of $25)Since the insured paid $1,in the two installments, a credit was due of $In processing the revised cancellation date (originally cancelled 9/15/and revised to 9/5/when alternate coverage was secured), an error was made in the calculation of prior premiums billed resulting in a refund to the insured of $So in fact, the insured received a refund of $more than was dueAt this point, we will leave the billing as issued,Mailing Address: *** *** *** *** *** *** *** *** ** *** *** *** *** ***.The Collection amount demanded by Mr*** and the collection agency were related to a different policy (general liability)These amounts have been cleared from the account and there should be no further contact from the collection firmI trust this will satisfy the inquiry

Thank you for your responseAfter careful review, we stand behind our previous statement and decision not to reinstate this policy.Please do not hesitate to contact me if you have any questions or concerns.Thank you very much

Please see attached letter with our response.THE The Cincinnati Insurance Company The Cincinnati Indemnity CompanyCINCINNATI The Cincinnati Casualty Company The Cincinnati Specialty Underwriters Insurance CompanyINSURANCE COMPANIES The Cincinnati Life Insurance Company June 14, 2018Hello,We apologize for the delay associated with receiving your refundThe way our system is setup, itmust filter through various channels before being sent outBased on our records, the refund has beendelivered and was cashed effective 6/13/Hopefully this resolves your issue and we apologize forany inconvenience this process has caused.Thank you,Carly H***Personal Lines UnderwriterCincinnati Insurance CompanyEmail: cartlandh*** cinfin.comCH/jh

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
The company has not contacted me in reference to this Their statement is full of exaggeration and liesGet my payment record, been late once before this issue in four yearsI called days before my payment was due, because my car had broke down , blew head gasket , and was not going to be driving it, obviously, and was never offered the lower rested for times like thisI gave them days notice and they had recently changed that policy, to days to let them knowThe agent with held information that could have lowered my rate and chose not to, then try to charge extra because of the day ruleSo as you can see the Cincinnati Insurance Company and s not so ethical. Thank you, *** ** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint I cannot consider this matter closed until I receive my refunds from Cincinnati Insurance Since Cincinnati Insurance was so proud that they gave my agency two months notice of cancellation it seems they’ve had ample time to process my refundUnfortunately, I’m having to pay for my new coverage prior to receiving my monies due from Cincinnati Insurance
Regards,
*** ***

Please find attached our response to *** ***'s complaint.Thank you,Brad S*Cincinnati InsCo.513-870-2136brad_s***@cinfin.com The Cincinnati The Cincinnati Insurance Company The Cincinnati Indemnity Company The Cincinnati Casualty Company Insurance Companies The Cincinnati
Specialty Underwriters Insurance Company The Cincinnati Life Insurance CompanyBrad *S***, AIC, AISSecretaryRegional Manager, Casualty ClaimsFebruary 13, 2018 Sent Via E-Mail Only: ***@cincinnati.Revdex.com.org Revdex.comAttn: *** *** ***Marketplace Resource Consultant Subject: Our Name Insured: *** *** Our Claim #: *** Revdex.com ID#: *** Dear *** ***;I am writing in response to your inquiry about the above Revdex.com complaintI appreciate *** ***would like to recover his deductibleWe are trying to do that for himOur records show ourclaim handler has been keeping *** *** informed as to the status of this matter, mostrecently speaking with him over the phone on 1-12-2018. As background to this matter, *** *** had his personal auto insurance with our company, to include collision and comprehensive coverage, at the time his parked and unoccupied vehicleslid down a hill and had to be extracted by a tow truckThe towing company used a cableattached to a tree to pull the vehicle outIn the process, the tree collapsed and fell onto ***'s vehicle*** *** turned a claim in to us under his personal auto policyWe promptlyhonored the claim and issued payment to *** ***, less the deductible he elected to carryunder the policy. We believe the towing company was negligent in their actions and should reimburse ourcompany for the damages paid and *** *** for his deductibleWe are pursuing a subrogation claim against the towing company, which includes seeking from them *** ***'sdeductible. *** *** insures the towing companyThey have been "investigating" this matterfor a considerable period of timeI understand they have now admitted their policyholder was atfault for this accident, but for some reason, they are unwilling to reimburse 100% of the damagesWe are continuing our efforts to recover from *** or their policyholder***'s deductible will be reimbursed to him if/when we are successful in our subrogation effort.I appreciate *** ***'s concern as to how long this is taking, but the delay is due to ***'s refusal to honor the damages caused. Thank you for your time and assistance. Brad ** S*The Cincinnati Insurance Companies Mailing Address: P.OBox Cincinnati, OH 45250-Headquarters: SGilmore Road Fairfield, OH 45014-5141brad_s***@cinfin.com *** Office

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***
Regrettably Cincinnati Insurance Company does not want to step up an pay a legitimate claimI am years old, a veteran with severe health issues living on a fixed incomeI pay insurance problems for protection against such disasters as the one that befell my property.The facts in this case are the same:I paid Cincinnati Insurance Company my premium to protect my propertyMy neighbor, a very nice young couple with children did the same by paying Cincinnati Insurance Company homeowner premiums alsoHow in the name of fairness to its policy owners it can deny a claim, and even Cincinnati Insurance Company does not dispute that there was substantial damage to my property, when both myself and my wonderful young neighbors the Cruthfields are covered by the same insurance company?The answer lies in the fact that I have a higher deductible and they told me I have to file a claim on my policy even though the neighbors tree caused damage to the power lines and ripped parts of my roof offAlready the roof has started leakingCincinnati Insurance answer it was an "Act of God" (Silly meI thought that was the reason we buy insurance)A very nice young fellow from Cincinnati Insurance called me trying to get me to drop this Revdex.com claimI asked him what he felt was the right thing to do and he just said the claim was deniedHe did, in fact, advise me to file a claim on my policyWhen I told him I had a high deductible of $he said I chose the wrong amountAsked him why his company would not pay the claim on the Crutchfield's policy with Cincinnati he refused to answer only saying there was no negligence involvedI then asked him if I filed on my policy what would happenHe said if the claim was approved, less the $deductible then I might get a little money but my properties "Loss Report" would make my insurance premiums go up and he would not rule out cancelation of the policy in the futureMy own insurance agent who is one of the best in town advised me the sameAlso noted that all the insurance companies share the information.In the end I am the one holding the bag for this lossResearching other complaints against Cincinnati Insurance, like on the "Rip Off Report"I can see that I am not alone.Shame on this company for not paying this claimI now have to pursue it with the North Carolina Insurance CommissionerSure hope I live long enough to see justice in this caseLooks like corporate profits trump moral obligation

Complainant: *** *** Insured: T*** *** *** *** Claim No.: *** Policy No.: *** *** LoSS Date: 10/24/2016Dear Ms***Thank you for your letter dated November 30, regarding *** ***'s complaintOn December 8, 2016, The Cincinnati Insurance Company received
your second notice of Mr***'s complaint made with respect to the above referenced claimAt the time of the water loss *** *** was a condominium owner of property located at *** *** *** *** ** ***.The Cincinnati Insurance Company provided a Commercial Package Policy form to *** *** *** *** under policy number ***The effective dates of coverage began on April 10, and end on April 10, The insured location l*** ** *** *** *** *** *** *** *** *** ** ***The policy contains a blanket building coverage limit of $28,486,with a $1,deductible.The claim was received and assigned to Claims Representative, *** ***, on October 26, and contact was made with our insured representative and the condominium unit owner, Mr***, on the following dayMr*** was not a direct insured of The Cincinnati Insurance CompanyMr***'s sold the condo and Scheduled the closing within a few days of the loss, he proceeded with the sale of the property and was unable to provide access to the unit for Our inspectionWe worked with Mr***'s carrier to obtain information on the lossMr*** Submitted repair documentationPrior to receipt of this complaint Weissued settlement payment of $2,less the $1,deductible to Mr*** for our insured's portion of the property damages.Mailing Address: *** *** *** *** *** *** I Headquarters: *** ** *** *** * *** *** *** *** *** *** *** *** *** *** *** *** *This document is being produced at the request of the Revdex.comThe production of these documents is neither an expressed, nor implied waiver, of any of the privileges The Cincinnati Insurance Company may have associated with it

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